摘要
近年来，党中央、国务院高度重视我国普惠金融发展，普惠金融已成为国家重大战
略。普惠金融着力解决人民获取金融服务不平衡不充分的问题，通过关注弱势群体和小
微企业，不断促进人类的全面发展和全体人民的共同富裕。小微企业是国民经济和社会
发展的重要基础，是缓解就业压力、保持社会稳定的重要力量，是普惠金融的重要服务
对象。商业银行有着服务小微企业、城镇弱势群体的普惠性公共服务职责，在目前复杂
的国际形势与新冠肺炎疫情双重不利的影响下，基层商业银行如何开展小微金融业务，
实现小微金融业务可持续发展，有效解决小微企业在经营发展中面临的 “融资难、融资
贵”等问题，是我们值得深思的问题。
本文首先从总体上探讨研究的背景与意义，总结国内外对于普惠金融、小微企业发
展的研究成果。其次以金融约束理论、包容性增长理论、信息不对称等相关理论为支撑，
运用文献研究法，较为详细地阐释了普惠金融与小微企业的含义、特征及内在关系。再
次站在商业银行角度选取了 KF市最具代表性的 JT银行 KF分行为例，从银行整体经营
情况、小微金融业务发展情况、小微金融产品、人员队伍等角度分析了目前大力发展小
微金融的必要性，运用 SWOT分析法全面地分析了基层商业银行小微金融发展中所面
临的优势、劣势、机遇和挑战。从次站在客户角度，通过问卷调查的方式，重点分析 JT
银行 KF分行小微金融业务发展中存在的问题。最后结合 JT银行 KF分行经营发展实际
情况，提出了优化自身的金融产品及服务体系、加大普惠金融宣传力度、持续推进金融
数字化转型、贴近市场制定特色化小微金融发展策略、严格把控信贷风险等五大方面的
建议，为 JT银行 KF分行大力发展高质量小微金融业务，走出一条具有特色的小微金融
发展之路提供新思路。另外为发展小微金融业务的建议能顺利落地提出了在激励机制方
面、各相关部门协同合作方面的保障措施和相关的政策建议。
关键词：商业银行；普惠金融；小微企业；小微金融业务
I

ABSTRACT
In recent years, the CPC Central Committee and the State Council have attached great importance
to Pratt & Whitney's financial development, and financial inclusion has become a major national strategy.
PRATT & Whitney aims to address the imbalance in people's access to financial services by focusing on
vulnerable groups and small and micro enterprises to promote the overall development of humanity and the
common prosperity of all people. Small and micro enterprises are an important foundation for National
Economic and Social Development, an important force for alleviating employment pressure and
maintaining social stability, and an important service object of Pratt & Whitney's finance. Commercial
banks have the duty of providing inclusive public services to small and micro-enterprises and vulnerable
groups in cities and towns. Under the current complex international situation and the double negative
impact of the new pneumonia epidemic, how do primary commercial banks carry out small and
micro-finance business, to realize the sustainable development of micro-finance business and solve the
problem of "Financing is difficult and expensive", which is worth thinking deeply.
First of all, this paper discusses the background and significance of the study as a whole, and
summarizes the domestic and foreign research results on the development of Pratt & Whitney's finance,
micro and small enterprises. Secondly, based on the theories of financial constraint, inclusive growth and
Information asymmetry, this paper explains the meaning, characteristics and internal relationship of
inclusive finance and micro-and-small enterprises in detail. Once again stood in the Commercial Bank
angle selected KF city's most representative JT bank KF branch as an example, this paper analyzes the
necessity of vigorously developing micro-finance from the perspectives of the overall operation of the bank,
the development of micro-finance business, micro-finance products, and the personnel team, etc. , SWOT
analysis method is used to analyze the advantages, disadvantages, opportunities and challenges of the
development of micro-finance in the grass-roots commercial banks. From the customer point of view,
through the questionnaire survey, focused on the analysis of the problems in the development of
micro-finance business of JT bank KF branch. Finally, combined with the actual situation of business
development of JT bank KF branch, this paper puts forward five suggestions: optimizing its financial
III
。。。以下略